A lot of people have already answered buttt I'll tell you my thoughts anyways haha. I'm taking a year off from my gym this coming season since it is my senior year. Instead I am going to continue with high school cheerleading and 3 to 4 times a week after high school practices I am going to go to a private tumbling class. That way I can prepare for college, however, I won't get extra stunting practice, I know I will miss all of the people there but it will be best because of all the stresses of senior year.
Also, the coaches shouldn't not put you onthe level 5 team just because you take a year off. They should base if you make level 5 off of your skills, not if you leave the gym for a year. I don't think you will loose your drive for cheerleading, if anything I think it will make you want to work harder for it so that next season you secure your spot for level 5. :)